Jefferson County, PA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,137 mortgage applications in Jefferson County, PA totaling $100.3 million, about the same as 2015. The average application was for $88,000, and applicants reported an average income of $54,000. 55% of applications resulted in an originated loan and 23% were denied. The most active lender was S&T Bank, with 186 applications, followed by First Commonwealth Bank and The Farmers National Bank of Emlenton.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,137 |
| Total Mortgage Loan Application Amount | $100,324,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $552,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 6,297,728,000 | 186 | $ 12,607,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,545,817,000 | 114 | $ 7,988,000 |
| The Farmers National Bank of Emlenton 612 MAIN STREET, PO DRAWER D EMLENTON, PA 16373 |
* | $ 598,954,000 | 64 | $ 4,774,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ 336,786,000 | 53 | $ 4,808,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 51 | $ 5,601,000 |
| Marion Center Bank 1271 INDIAN SPRINGS RD INDIANA, PA 15701 |
* | $ 275,863,000 | 44 | $ 4,850,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 2,264,480,000 | 44 | $ 4,103,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 43 | $ 3,280,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 41 | $ 5,022,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,993,107,000 | 28 | $ 2,100,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 965,803,000 | 27 | $ 2,472,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 24 | $ 2,118,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 21 | $ 2,033,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 4,487,443,000 | 16 | $ 1,726,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 15 | $ 1,654,000 |
| Elderton State Bank 143 NORTH MAIN STREET, P.O. BOX 427 ELDERTON, PA 15736 |
* | $ 239,738,000 | 11 | $ 1,525,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 756,000 |
| Riverview Bk 11 NORTH SECOND STREET CLEARFIELD, PA 16830 |
* | $ 455,407,000 | 10 | $ 591,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 10 | $ 754,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 9 | $ 694,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 738,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,399,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 732,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 404,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ 10,000,000 | 7 | $ 666,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 7 | $ 344,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 668,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 552,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 6 | $ 476,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 6 | $ 715,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 940,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 556,000 |
| Northwest Consumer Discount Co., Inc. 151B PITTSBURGH ROAD BUTLER, PA 16003 |
* | $ 8,148,155,000 | 6 | $ 38,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 5 | $ 498,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 5 | $ 248,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ 100,000,000 | 5 | $ 517,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 5 | $ 244,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 553,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 4 | $ 281,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 4 | $ 516,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 671,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 579,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 519,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 4 | $ 238,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 326,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 427,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,099,687,000 | 3 | $ 154,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 3 | $ 318,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 464,368,000 | 3 | $ 448,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,198,830,000 | 2 | $ 83,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 2 | $ 294,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 183,138,215,000 | 2 | $ 75,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 7,347,353,000 | 2 | $ 266,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 162,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 2 | $ 166,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 134,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,346,724,000 | 2 | $ 14,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 2 | $ 190,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 2 | $ 30,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 124,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 211,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 142,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 140,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 89,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 172,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 232,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 88,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,092,874,000 | 1 | $ 58,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 159,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 28,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 66,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 12,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 214,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 213,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Ameriserv Financial Bank 216 FRANKLIN ST JOHNSTOWN, PA 15901 |
* | $ 1,108,994,000 | 1 | $ 93,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 71,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 1 | $ 102,000 |
| West Aircomm Federal Credit Union 485 BUFFALO STREET BEAVER, PA 15009 |
* | $ 205,666,000 | 1 | $ 65,000 |
| Journey Bank 232 EAST ST. PO BOX 240 BLOOMSBURG, PA 17815 |
* | $ 643,299,000 | 1 | $ 28,000 |
| Citadel Federal Credit Union 520 EAGLEVIEW BLVD EXTON, PA 19341 |
* | $ 2,433,630,000 | 1 | $ 160,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 1 | $ 102,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 174,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 30,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 17,379,124,000 | 1 | $ 22,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 84,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 113,000 |
| The Bank of Carbondale 216 E MAIN STREET CARBONDALE, IL 62901 |
* | $ 212,661,000 | 1 | $ 184,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 131,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 75,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 185,000 |
| Severn Savings Bank, FSB dba Severn Bank 200 WESTGATE CIRCLE SUITE 200 ANNAPOLIS, MD 21401 |
* | $ 758,758,000 | 1 | $ 285,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ 1,400,000,000 | 1 | $ 94,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 41,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 49,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 92,000 |
| Fnb Bank, National Association 630 MILL STREET DANVILLE, PA 17821 |
* | $ 363,285,000 | 1 | $ 3,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 131,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 245,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 275,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,494,486,000 | 1 | $ 119,000 |
| Har-Co Credit Union 30 N HICKORY AVE BEL AIR, MD 21014 |
* | $ 188,466,000 | 1 | $ 96,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,988,493,000 | 1 | $ 63,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 131,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 1 | $ 69,000 |
| Benchmark Bank 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 122,305,000 | 1 | $ 232,000 |
The tables below break down 2016 mortgage applications in Jefferson County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Jefferson County, PA in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 493 | $49,156,000 | $99,000 | $452,000 | $55,000 | $425,000 |
| Refinancing | 426 | $41,651,000 | $97,000 | $635,000 | $50,000 | $552,000 |
| Home Improvement | 218 | $9,517,000 | $43,000 | $310,000 | $58,000 | $341,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 940 | $84,163,000 | $89,000 | $635,000 | $57,000 | $425,000 |
| Not Provided | 129 | $9,740,000 | $75,000 | $390,000 | $52,000 | $552,000 |
| Not applicable | 54 | $5,202,000 | $96,000 | $250,000 | $7,000 | $88,000 |
| Hispanic | 6 | $476,000 | $79,000 | $241,000 | $66,000 | $118,000 |
| American Indian or Alaskan Native | 3 | $165,000 | $55,000 | $60,000 | $63,000 | $99,000 |
| Asian | 3 | $354,000 | $118,000 | $127,000 | $64,000 | $113,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $224,000 | $112,000 | $112,000 | $48,000 | $48,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 800 | $66,235,000 | $82,000 | $635,000 | $60,000 | $552,000 |
| FHA-insured (Federal Housing Administration) | 167 | $15,021,000 | $89,000 | $286,000 | $41,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $7,903,000 | $90,000 | $170,000 | $34,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 83 | $11,165,000 | $134,000 | $461,000 | $44,000 | $374,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 620 | $54,207,000 | $87,000 | $452,000 | $58,000 | $374,000 |
| Application Denied By Financial Institution | 263 | $22,343,000 | $84,000 | $635,000 | $52,000 | $552,000 |
| Application Withdrawn By Applicant | 99 | $9,619,000 | $97,000 | $328,000 | $57,000 | $425,000 |
| Loan Purchased By The Institution | 65 | $5,516,000 | $84,000 | $196,000 | $13,000 | $88,000 |
| File Closed For Incompleteness | 55 | $5,608,000 | $101,000 | $461,000 | $40,000 | $156,000 |
| Application Approved But Not Accepted | 35 | $3,031,000 | $86,000 | $250,000 | $74,000 | $341,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 51 | $2,820,000 | $55,000 | $132,000 | $54,000 | $188,000 |
| Collateral | 43 | $4,648,000 | $108,000 | $635,000 | $63,000 | $237,000 |
| Debt-To-Income Ratio | 36 | $2,233,000 | $62,000 | $167,000 | $42,000 | $119,000 |
| Credit Application Incomplete | 9 | $856,000 | $95,000 | $200,000 | $41,000 | $101,000 |
| Other | 8 | $499,000 | $62,000 | $167,000 | $51,000 | $93,000 |
| Employment History | 4 | $218,000 | $54,000 | $89,000 | $39,000 | $77,000 |
| Unverifiable Information | 3 | $187,000 | $62,000 | $80,000 | $47,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $109,000 | $109,000 | $109,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 1 | $170,000 | $170,000 | $170,000 | $67,000 | $67,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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